ICICI Prudential Life Insurance Complaints & Reviews

Dear sir/madam
We have opted an icici prudential life insurance along with our home loan recently in last month

Prior to the loan your official have come and offered some life insurance policy that we have accepted as they explain the benefits while discussion.

But what we are getting right now on paper is totally different policy from what they had offered...

This is absolutely unfair & of course not acceptable...

And when we try to contact them for the same they did not even came to hear the problem...

It is our humble request please look into it and do the needful at the earliest

Thanks & regards
Dr vijay kumar
Bilaspur (Chhattisgarh)
[protected]

I would like to request you that i want to convert my icici prudential saving policy no. 19426673 to icici mutual fund with immediate effect as i have to deposit rs. 30000/- on 08/08/17 but i want to withdraw my money (I. E. Rs. 30, 640/-) and deposit into icici mutual fund immediately. Pl. Help in this regard at the earliest. My icici saving bank a/c no. Is[protected]. Of icici bank, gangtok branch, sikkim.

Wants to lodge a complain against the person. Mr. Sudipto, who has raised the policy no.20218542. He is a total fraud. This is really annoying for the customers that after paying such a huge amount of premium the executive or whosoever really don't bother to take the call for their requirements. He has put a wrong registered mobile number in place of mine. I. E [protected]. As well as the payment frequency to annually which i did asked him to make monthly. If icici pru really bothers for their customers then i expect to take a severe step against this person and allocate a dedicated exe to resolve my issue.

I wanted a single payment instrument of rs ten lakhs as a gift for my 2 year old grand son.
Instead i have been issued a ten premium pay policy.
I am a 64 years old senior citizen and can not afford to pay any more premium.
The policy documents were note delivered to me. The terms oi want the policy were not available to me.
I want to cancel the policy under existing terms.

Dear sir

I have taken a icici pru elite life super polcy on 29/6/17

The name of the nominee details are wrongly printed in the document as against the details provided by me. I am not sure how they got this incorrect name from where.

Although 23 days have passed, still no correction has happened in the name of the nominee in the above policy. Please correct the same and issue me afresh policy asap
Bhaskar

Dear sir,
On 14 th of this month i paid my policy through on line using by devid card and i got the confirmation regarding my transaction therefore i need recite of the same so please send me my two recite in my mail address.
I don't know where is the problem, is it my falts that i din't maintion my mail address or phone number so that icici is not able to send the same or geting me. If so then take my number [protected], [protected], [protected].
And for identification i am giving my details below. Please not that.
My policy numbers are like this.
For savitri manna 05614956
And for tushar manna 05614955

Thanks
Tushar

Icici prudential life insurance has charged my credit card twice for the premium of 61, 126 inr on 23rd june 17, still they haven't refunded the 61126 amount extra charged. Without my consent they charged to american express card twice. I called the customer care number so many times, but they are not refunding.

Please help me to get the money back

I have several icici pru insurance policies. I think 9 of them.

Few years back when suddenly icici bank transferred my premium money directly to the pru policy, i went to find out how. I was told that in the form i had mentioned direct payment. Of course the icici employee in bhandarkar road, had mentioned it without my knowledge and i had over looked trusting him. I asked them to change it and they did it before me on their computer and showed me. They promised me that this will not happen again. However, since then i keep very small amount in my icici account.
On the 14th july 2017, i transferred some money into my account and made a cheque to some one i owed money. I received a message that the money i transferred was taken away for the payment of my policy premium. Directly without my knowledge. My account doesn’t have sufficient money to respect my issued cheque. It was a shock that i am not able to overcome. I feel deceived and tricked. I am under a terrible shock.
I have paid all the premiums of pru policies for 3 years but this year i have had huge personal expenses, so i decided not to pay for the 4th year, because i do not have money. I have been receiving 4 to 6 calls almost every second day, asking me to pay and menacing me that if i did not pay, i will lose a lot. Every time i tell them patiently that even if i lose everything, i do not have money to pay this year. If i do not pay, it is my loss and i will bear it. However, they continue to call and harass me.

So the moment they saw money in my account, they quickly lifted it to settle the premium, leaving nothing in my account to pay to those whom i owe. Can i ever trust your bank for what they did to me?

I want you to take a action on this and get the money back to my account immediately.

Dear sir, on 14th of july 2017 i paid my prudential lic by on line using david card. And my transaction are successfully done and the money deducted from my bank account therefore i want to know from you that when i will get the recite regarding the same. This is the first time i am seeing this problem in my day today life. Every time i got the same as soon as my transaction done by me. So where is the problem? And how it can be solve and i receive the same. I am waiting for your action on this.

Thanks
Tushar

My policy no. Are 06998895 and 13265424. I want to surrender both the policies. My pan card is missing but i am submitting pan no. And itr copy etc and voter card as id. The dealing person is telling that pan card is must and itr and other documents are not acceptable for pan verification. We are trying to get payment for last two years, but the officials says that personal attendance of insured person is necessary now when i personally attended then they are telling that pan card is must. We says that you may confirm my pan from income-tax site. Please help immediately.

I, (Mayur. N. Bajaj ) my father had taken Three life insurance policy from ICICI Prudential against policy number
[protected]/ 02727802 /[protected]
on ( 24/04/2006 )for 3 childerns, when we were minor. policy holder name (Mayur/ Menka / Poonam). The nominee/Proposer of the policy is my mother, ( Mrs. Khimya. N. Bajaj ).
With deep regret this is to inform you that my father passed away on ( 08/12/2014 ) due to a massive car accident. I have attached a copy of the death certificate for your reference. Even though nothing can repair our loss but since my mother was dependent on him and she was the nominee of the policy, I went to file this claim to one of your ICICI prudential branch in Parle Point branch, Surat . Gujarat and I was shocked to hear all the stories about my policy.
This letter is for the purpose of lodging a Formal Complaint regarding great unfairness meted out to me by your insurance company. ICICI prudential Insurance Company claims to have fair policies and professionalism. But my experience with your company has led me to believe the opposite.
I was informed by your customer service personnel on june18, 2017, that my policy has lapsed/foreclosed in year 2013 and the money is forfeited. My father has paid around 1, 40, 000/- premium for 28 months for each policy. So for total 3 policies he paid around 4, 20, 000/- which he supposed to finish 36 months to get all benefits instead of paying 28 months. I do understand that but he couldn't pay the remaining amount because of some unwanted problems comes up in business and he forget to pay the remaining premiums. Otherwise until then he was paying all the premiums on or before time.
Even in year 2013 and again in 2014 I visited one of your branch in Adajan to inquire about my policy, at that time they inform me to pay remaining premiums of about 4, 80, 000/- in total for the remaining months to close my each policy and they also advice me to pay this amount and surrender all three policies and I will get money in one year. They also said because it's a life time policy if we want to close it any time just pay the remaining premiums and we can close it anytime. We were agreed to pay on that term and started arranging the money to surrender policies. But unluckily our family met to an car accident and my father passed away. This is again one more reason we were not able to close our policy that time by paying remaining premiums. But now this is very unfortunate to hear that my policies are lapsed and we can't claim our hard earn money.

My Questions are :
1. Why there was no contact from ICICI prudential officers or mails or reminder before foreclosure of my policy, normally they contact a lot to sell their policy, even they visit house to take documents and for signatures. But why in my case no one inform us or visited our house if we were not reachable . In case there was such an exercise done, please do send me a copy. This is clearly against the guidelines of the IRDAI and the RBI and this also violates my right to information. Or was this done to deliberately forfeit my investment and increase your turnover (Considering similar treatment meted out to thousands of other clients).
2. Why did no one from ICICI prudential get back to me when i repeatedly visited their branches requesting for the closing of policy? Instead of forfeiting my money and give us false benefits until 2013 . Why company waited until 2013 and used all our money to give us benefits, instead company should have closed our policies in 2009 due to not maintaining of premiums and should have issued us a cheque of our paid amount of 1, 40, 000/-. It was so simple. But no- company failed to do so and let us suffer until this condition comes up. I have lost my money because of negligence on company's part and it's poor service.
3. why should i suffer, both mentally, physically and economically due to negligence on the ICICI prudential's part and there employees? When it says the policies are for Life Time and we can claim our money anytime then why in my case company has lapsed my policies without prior informing me or any of our family member. Why no one from company came to us personally if we were not reachable by any other means. Why company failed to contact us and forcibly forfeit our money ?
My further points :
1. I would like to ask you to restore my policy and allow me to continue with policy by paying the rest of the premiums, without any pre-set conditions, since this is a gross negligence on Company's part. I am ready to pay all the remaining premiums and continue with it.
2. I would like to receive a communication from your end at earliest and would like to resolve everything as soon as possible. I have been tweeting and posting my grievances in IRDAI, CPGRAMS, consumer voice, Insurance Ombudsman, complaint Board, facebook and other online portals, including quite a popular blog that i manage. Would also like to mention that i would not hesitate to post about your horrible service and ill-intentions of forfeiting people's hard-earned money in all possible social media platforms.Unfortunately most of the people in India can not properly use social media to lodge their grievances, and i do not know how they would feel or do with this kind of service.
Attaching all the necessary documents for your reference.
Feel free to contact me anytime if you need any other information or document.
Would appreciate a quick and pro-active response.
Thanks and regards,

To
The Manager Date. 29.06.2017
ICICI PRUDENTIAL
Ref:- Policy Holder Name- SUBHRENDU BHATTACHARYA
POLICY No. 19632813.
Sub:- Request for Cancel my Policy No.19632813 which started from 17.12.2015.

Dear Sir,
I like to inform you that due to my sudden illness I am now unable to continue the above policy because as a professional surveyor I am not a salary holder person & my all earning depend upon my physical work, which now not possible due to my illness. So, I request you please cancel it, I think your office already award about my financial problem, because a maximum premium now due now. A gain I request you please cancel ECS/ACH money transfer system, because I need now big amount cash for my treatment. I attach here with my policy copy for your observation & records. I am waiting for your suitable consideration.
Thanking You

Yours faithfully
SUBHRENDU BHATTACHARYA

Dear sir
(1) i purchased icici life time pension ulip plan in 2002.
(2) one year later in 2003 i opted for critical illness rider
Of rs 2 lakhs.
(3) since 2003 i am getting premium paid certificate showing
80ccc and 80d part of critical illness rider. I am taking income tax
Benefit showing ppc under sec 80d.
Now icici has stopped issuing premium paid certificate showing
80d part of critical illness rider and they give astonishing reply. (1)
They say they were issuing wrong premium paid certificate for last
More than 10 years. (2) so i have take wrong 80d benefit all these
Years. (3) they are saying critical illness rider is inbuilt with my
Policy. Which is factually incorrect. Critical illness rider is not
Inbuilt with my policy. I have opted for critical illness rider one
Year later in 2003. Inbuilt riders are given at same time with policy
In letter dated 7/4/2017 they have accepted that my policy no
00202100 is eligible for 80d benefit. But inanother
Letter they say my policy is not eligible for 80d benefit and tey were
Issuing wrong premium paid certificate all these years.

Please look into the matter and find out the truth. If wrong 80 d
Certificate is issued for 10 years. It is a financial irregularity
Action must be taken against icici for loss of taxes to govt of india.

Hi all,
I want to tell you a very interesting story about ICICI bank LTD.

it is totally fraud. ICICI bank executive have given me a policy 119000 and policy no is 21108018 and it is not my knowledge that insurance has been done and amount deducted from my home loan account. any one can take responsibility and revert me on priority. I am not interested to purchase the policy.
name :- gaurav Tyagi
mob no:-[protected]

As i had taken a term policy from icici pru and at the time of signing the papers. I requested to the executive to convert the emi's on monthly. He assured me that first time you had to pay the half yearly amount and from the next installment it will convert in monthly emi's. Since then i had given the request thrice in the local branch but no body is ready to listen as i mailed once but no response yet. If such kind of services are their i will suggest the company to stop making fool of your customers there are so many other options in the market. And i will never ever suggest any one to deal with icici.
Policy no 19993193
Policy name icici pru iprotect smart
Premium payment frequency halfyearly
Name of policy holder mr. Ankush agarwal
Premium amount rs. 4039
Service tax+cess rs. 606
Total amount due rs. 4645
(-less) deposit amount rs. 0
Net premium payable rs. 4645

Regards
Ankush

On dated 20th jun 2017, amount of 10, 339 was deducted from my icici bank account. I visited my nearby branch and came to know that amount was taken by icici prudential and icici bank can’t do anything.
I called customer care office of icici prudential.
I never given permission or request icici prudential for any kind of insurance.
It’s the clear case of stealing money within icici group.
I want my money back immediately as this was done without my permission.

I have purchased a policy 14189268 in july 2010 and pay 3 premium eqally ₹50000/upto 2012. Need of money as per irdai rule i have surrender the policy in original with cancelled cheque, id (Aadhar card), pan card, photo through your icici branch ghazipur u. P. On 25 may 2017 but till date money has not been transferd in a/c. I approach regularly to branch about surrender status they are always assure me that have patience and wait. To day branch executive directed me to personal appearence in varanasi office is must.

Hi

Icici prudential life insurance — unwanted deduction of rs. 8786/- from my icici bank account.


On dated 12/06/2017 there is unwanted deduction of rs. 8786/-from my icici bank account. And the reference is account statement stated as [protected]/0706/iprugrpterm/dc

My icici bank account is[protected].

Kindly requesting you to return my deducted amount that is rs. 8786/-

If this amount is deducted for any type of policy then to tell you that i am not interested in any type of policy for now.

Please do the needful as early as possible.

On dated 12/06/2017 there is unwanted deduction of rs 8, 016.00 from my icici bank account. And the reference in account statement stated as [protected]/0606/iprugrpterm/dc

My icici bank account is[protected], infosys ph2 branch, hinjewadi, pune mh

I have never applied for any such kind of policy.

Please do the needful as early as possible and return back my money.

We have a problem that one of our friend expired on 20/03/2017 Name Vinay S Shirishkar bank account no[protected]. Policy No 00002273 we had submitted all documents to icici prudential Bharuch branch and they arenot providing any current status of claim till date.Pl help for the same/Suggest us the way to know the status at the earliest.
lot of mail and verbal talk taken with the bank but till date nothing has been done from icici prudential.They are not explaining anything and no status is provided about the claim.